Steadfast in our commitment to result-based credit improvement and industry best practice, Higher Score remains selective in the type of clients and cases we will take on. A detailed consultation is performed prior to engaging in a client-service provider relationship.

Customization is the fundamental key to Higher Score’s track record of result-driven measurable success. No two people, credit issues, or credit goals are alike. A solution tailored to the unique needs of the individual client is paramount to our success.

Errors are present on most credit reports. Higher Score understands the frustration these errors cause our clients and uses proprietary methods in the execution of correcting these errors. We remedy these score-killing errors by making necessary phone calls on behalf of our client, or by preparing credit bureau and creditor dispute letters, when necessary and appropriate. Examples of situations where a dispute is warranted are, but not limited to:

• Outdated Information
• Duplicate Accounts
• Student Loan Mirroring
• Unauthorized Inquiries
• Bankruptcy Account Misrepresentation
• Identity Theft
• Jr./Sr. Discrepancies
• Late Payments Misreporting
• Divorce Decree Discrepancies
• Forbearance or Deferment Errors

***It is important to understand that as a consumer you have a right to dispute any information on your credit report if you have reason to believe it is inaccurate. Higher Score refuses to make any claims regarding the accuracy of an account without the written consent of our client. We also refuse to make any false claims on behalf of our client, or any guarantees regarding the effectiveness of a dispute.***

Debt Management remains a key element of our custom solution. Higher Score is not a debt settlement, debt consolidation, nor a consumer credit counseling service, however, properly advising our clients on how to address debt and how it impacts their credit report remains a focal point of our tailored solution.

Understanding that positive, open, and active credit is critical in optimizing the credit score, Higher Score is prepared to guide the first-time homebuyer, client recovering from recent hardship, or an individual who is new to our credit reporting system. Advising on how to attain, maintain, and enhance their positive credit accounts.

We believe not only in empowering our clients through our restorative methods for optimizing credit, but also in the sustainability of our clients future credit profile. Higher Score promises to assist our clients in stabilizing their credit and maintaining their credit for future financial endeavors.

Higher Score’s commitment to assisting the mutual clients of our mortgage and real estate professionals is highlighted by our dedication to exposing quick-fix opportunities within a credit profile. We are honored to be able to help our clients swiftly achieve their goal of home loan qualification and will identify and execute on rapid rescore opportunities in conjunction with any mortgage team.

Our nationally recognized presentation exposes secrets the credit bureaus, creditors, and banks don’t want the general public to know. Recognized in multiple states as a certified continuing education provider, our presentation has wowed the likes of many of the nations leading mortgage and real estate professionals. Our passion, expertise and insightfulness, gives a refreshing look at credit reporting and credit improvement techniques.

Over the past decade we have been sharing our cutting-edge methods for uniquely improving a credit profile with some of the most influential and powerful mortgage teams in America. As an entrusted industry partner we provide coaching and consulting for top-notch loan officers on the intricacies of the credit algorithm so they may focus on their core competency — Closing loans.